Study On The Insurer's Explanatory Obligation In The Internet Insurance

In internet insurance,insurers used to fulfilling the explanatory obligation by providing insurance contract in the form of "links",performing the obligation of presentation and explanation in insurance contract,confirming the insurer's perform of the obligation by the way of click.The performance of the stated obligation in Internet insurance is mainly based on the design of the insurance process,which relies on the policy holder to operate independently and read independently,and the applicant's reading burden is aggravated,the cautious and the attention degree is impaired.This leads to the discussion of the form of "link" with the obligation to perform initiative and the effectiveness of click to confirm overall.The perfection of insurer's explanatory obligation in internet insurance should fully consider the particularity of internet Insurance sales model,and balance fairness and efficiency.First of all,we should improve the performance rules of the insurer's explanatory obligation,which need the insurer to fulfill the explanatory obligation in different ways and degrees depend on the importance of matters in both initiative and passivity ways.Secondly,attaching importance to the substantive standards of the performance of obligations,the standard of identification should be applied according to the different methods and degrees of performance.Thirdly,it is necessary to optimize the design of the Internet insurance procedure,which need to set more guidance for consumers and the matters should be explained and confirmed individually,in order to improve the performance.Finally,we should perfect the disclosure of information in sales pages,pay attention to the construction of the cooling-off period and the return visit system,and strengthen the traceable management of the sales behavior.